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Apartment Building and Commercial Property Insurance in California - Liability Insurance for Landlords including Wrongful Eviction  and Personal Injury coverage

Rental Property Insurance Quote Form

Looking for coverage? Click the following link to submit a quote for quick, accurate and affordable rates. 



Rental Property Insurance Information

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.


What is Apartment Building insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.


Coverage Description

Building and Business Personal Property

Provides property coverage for building(s), business personal property as described in the policy declarations.

Business Income/Loss of Rent

Provides coverage for loss of rent for up to 12 months

Extended Replacement Cost (Up to percentage specified in policy)

Will pay for repair or replacement of the building or buildings at the described premises when replacement cost exceeds the policy limit, provided buildings are insured 100% of replacement cost and they accept each annual adjustment in building limits, notify us within 90 days of start of physical changes, additions, or remodeling. Does not apply to Earthquake, outdoor sign, other outdoor property, or ordinance or law.

Building Ordinance or Law

Three separate coverage components are provided with this endorsement: Coverage A: Covers loss in value of the undamaged portion of the Building due to demolition pursuant to a building ordinance or law. Coverage B: Covers the cost of demolition and removing of debris of the undamaged portion of the building if demolition is required by building ordinance law. Coverage C: Covers the increased cost to repair, reconstruct of remodel damaged or undamaged parts of the building to comply with a building ordinance or law.

Trees, Shrubs & Plants

Adds coverage for outdoor trees, shrubs and plants at the insured premises.

Employee Dishonesty

Pays for direct physical loss to business personal property  and money and securities resulting from dishonest acts of the insured's employees.

Employment Practices Liability (EPLI)

Claims of discrimination, harassment or wrongful termination make the EPLI coverage endorsement important coverage. 

Business Liability Insurance

- Premises and Operations Coverage covers medical or other charges for any accidents that may happen on your property, such as a slip and fall.
- Personal and Advertising Injury Liability Coverage covers claims by anyone, such as a competitor, that you have stated false information about their operations or management practices in an advertisement, or claims by an employee or customer that their injuries were caused by your negligence.
- Medical Payments Coverage covers first aid and any other, necessary medical services and ambulance service in the event of an accident, no matter who’s at fault.



Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 
Also serving the following areas of California: San Francisco, Sacramento, Los Angeles, Mountain View, Daly City, San Jose and surrounding areas.



                 


Absolute Integrity Insurance Group
1434 Taraval St.
San Francisco, CA 94116
(888) 566-7771
CA License #:0D85546

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